If the credit card debt is 6,543,800 yuan, but the user still has strong repayment ability, and the credit card is not overdue, you can apply for car loan business. The user's credit card debt has exceeded the user's repayment ability, or it has expired within the credit card repayment period, then the user cannot apply for a car loan.

For lending institutions, credit inquiry mainly depends on debt ratio and bad records. When one or both of them do not meet the requirements, the car loan application will be rejected directly.